Excellent credit ruined by debt consolidation! Federated Financial Services in Deerfield Beach Florida

I am 20 years old and until about 4 months ago I had perfect
credit. I admit I had a lot of credit cards and a big loan, but I always made the payments, in full, and on time.

My boyfriend and I thought it would be easier to pay one big
payment instead of 13 little ones, so we looked into debt
consolidation. We decided to go with Federated Financial Services partly because they are a "proud member of the Better Business Bureau." We spoke with the representative that sets up accounts and it all sounded good. If we sent in a "lawyer fee" equal to the first months payment they would begin all the work.

My main concern was keeping my good credit rating. I was
assured that the work would be done quickly and almost all my
accounts could be reset. 4 months later, and many phone calls and letters, I still have creditors who haven't received proposals or payments. You probably wonder why I don't drop the debt consolidation; while I was waiting for the speedy service payments and late fees mounted.

I called FFS several times and they said this is normal and to ignore it because everything was taken care of. Now I have two choices, stay with them and hope it works out or quit and
pay high payments!